B2B payment

How it works

B2B Pay infographic: how does it work
B2B Pay is offering the best rates for business transactions from Europe to the rest of the world. We have partnered with Nordea Bank in Helsinki, Finland.

Three steps:
1. Sign up, with KYC, compliance checks
2. You get your own European IBAN number
3. Payments from European importers go through SEPA (free), then from your IBAN number to your domestic bank account (1%)

B2B Pay

Payment consulting services

Do you need a bespoke payment solution for your payments? We have the right experience.


If you need a reliable interface with an IBAN bank account and ways to transfer money instantly across the globe, we can help you.

Contact us

Contact us for more information.

Export from India

Export from India makes up a big part of the Indian economy.

Indian travel agencies

Indian travel agencies often face problems when handling payments. It's cumbersome for customers to make international payments and the currency exchange provided on international transactions are usually far from ideal.

Why B2B Pay is not using Bitcoin or blockchain payments (yet)

Bitcoin and blockchains are great, but not yet mature and thus too risky for a B2B business.

How do I access 35 European countries with one virtual bank account, with no additional fees?

As part of the SEPA agreement, 35 European countries agreed that payment transfers within any of these 35 countries will be treated the same as a domestic transfer. For example you can transfer money from Germany to Netherlands for free as the current domestic charges within Germany for electronic transfers is free.

Open IBAN numbers in other countries

IBAN stands for International Bank Account Number, which is an international banking system for bank account numbers. IBAN makes international transactions easier in many countries.

As opposed to a BIC code, which refers to a specific bank, IBAN refers to a specific bank account.
IBAN is used in all European countries (except Russia and Belarus) and dozen of non-European countries. Inside the European SEPA zone zone it's very convenient to transfer money to other countries.

International B2B payments

When it comes to international B2B payments there are not a great deal of options. In almost all cases the importing company will simply initiate a payment with their local bank, which will then send the money to the exporter's bank, possibly through some intermediary banks. Each bank will want to make money on the transaction. Consequently the incurred fees can at times even exceed 6%. Considering that most profit margins are not very big for companies in competitive markets there is a huge potential for savings.

Working with Nordea Bank

B2B Pay is proud to work with Nordea Bank, the biggest bank in the Nordics.

List of SEPA countries

SEPA stands for Single Euro Payments Area. SEPA money transfer is a payment system that simplifies bank transfers denominated in EUR. SEPA is an initiative by the European Union. As of July 2015 there are 35 SEPA countries: the 28 member states of the EU, Switzerland, Iceland, Norway, Liechtenstein, Monaco, San Marino and Andorra.

Savings Case Study

There are nearly 200,000 banks in Europe! All of them have varied fee structures between 3% to 6%, and processing times for transactions. Through which bank will your customer in Europe pay you and how much does this end up costing you? When you receive a payment from your customer in Europe they will simply initiate a payment order with their bank. All banks claim there is only a fixed fee of between 5 and 50€. But there's a catch: The exchange rate used for the currency conversion. You end up losing hundreds of euros because of this.


International bank transfers are expensive and time consuming.

B2B’s mission is to
make international business
transactions as quick and
as cheap as possible with complete
transparency about costs.

We also simplify the bureaucratic process and eliminate the need for back and forth paperwork.